Big Lots Credit Card Customer Service Phone Number

The phone number on the back of your Big Lots credit card is the fastest way to reach the card issuer's customer service team. The card is issued by Comenity Capital Bank, not by Big Lots itself, so you are calling Comenity's line when you dial the number printed on your card. That number changes based on which Comenity product you hold, so the back of your card is always the correct source.

If you have lost your card or cannot read the number, you can also reach Comenity through the Big Lots website by logging into your account and selecting the customer service option there. The website will direct you to the right department based on what you need.

Key Takeaways

  • The phone number on the back of your Big Lots credit card connects you to Comenity Capital Bank, the company that actually issues and manages the card.
  • You can also reach customer service through the Big Lots website by logging in and selecting the contact option in your account.
  • Have your card number, account number, or the phone number associated with your account ready when you call.
  • Common reasons to call include reporting a lost or stolen card, disputing a charge, asking about your balance or payment due date, or changing your account settings.

What You Can Handle Over the Phone

Comenity's customer service team can help you with most card-related questions without requiring you to visit a store or log into a website. You can report a lost or stolen card and request a replacement, dispute a charge you do not recognize, check your current balance and available credit, confirm your payment due date, and set up or change automatic payments.

You can also ask about your interest rate, request a credit limit increase, update your contact information, or report fraud on your account. If you have questions about rewards or promotional offers tied to your Big Lots card, the phone team can explain those as well.

Information You Should Have Ready

Before you call, gather the details that will help the representative locate your account quickly. Have your Big Lots credit card number ready, or the phone number you registered with the account. If you are calling about a specific charge, have the transaction date and amount available.

If you are calling from a phone number different from the one on file, be prepared to answer security questions to verify your identity. These questions typically ask about past transactions, your address, or other details from your account history.

When to Call Versus Using Online Options

Calling works best when you need when ready help, such as reporting a stolen card or disputing a fraudulent charge. The phone team can often resolve these issues in one conversation and send a replacement card the same day.

For routine tasks like checking your balance, making a payment, or viewing your statement, the Big Lots website or mobile app is usually faster and available 24 hours a day. You can also mail a payment or set up automatic payments online without speaking to anyone. Choose the phone when you have a question that requires explanation or when you need something done right away.

What Happens After You Call

If you report a lost or stolen card, Comenity will deactivate it when ready and mail a replacement within 7 to 10 business days. You can use your account online or by phone during that time, but you cannot use the physical card in a store.

If you dispute a charge, Comenity will open an investigation and contact you within 30 days with the result. During that time, the disputed amount is typically held and not counted against your available credit. Keep any receipts or documentation related to the dispute, as you may need to provide them if Comenity asks for more information.

Troubleshooting Common Call Issues

If you reach an automated system and cannot find the option you need, stay on the line or press 0 to reach a live representative. Wait times vary depending on the time of day and how busy the line is; calling early in the morning or mid-week typically means shorter waits than calling on Friday afternoon.

If you are having trouble understanding the representative or they are having trouble understanding you, ask to be transferred to a supervisor or ask if you can handle the issue through the website instead. You can also request a callback at a specific time rather than waiting on hold.

Frequently Asked Questions

What if I cannot find the phone number on my card?

Log into your Big Lots account on the website and look for a "Contact Us" or "Customer Service" link, usually in the footer or account menu. You can also call Big Lots' main customer service line and ask them to provide the Comenity phone number for your card.

Can I dispute a charge online instead of calling?

Yes. Log into your account on the Big Lots website, find the transaction you want to dispute, and select the dispute option. You will be asked to describe the issue and may need to provide documentation. The online process takes the same 30 days as a phone dispute.

How long does it take to get a replacement card?

Standard replacement cards arrive within 7 to 10 business days. If you need the card sooner, ask the representative if expedited shipping is available; some situations allow for faster delivery, though there may be an additional fee.

What if I have a question about Big Lots' return policy or a purchase I made in store?

Call Big Lots' main customer service line, not the Comenity credit card line. The credit card team handles only card-related issues. Big Lots' main number is usually on your receipt or on the Big Lots website.

Can I make a payment over the phone?

Yes. When you call Comenity, you can make a one-time payment using a bank account or debit card. You can also set up automatic monthly payments so you do not have to call each month.